There are a lot of employers out there who have had some really bad renewal days as they meet with their traditional benefits broker to receive the inevitable bad news.

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Kevin Trokey is founding partner and coach at St. Louis-based Q4intelligence.

You may not know it by its name, “Jacked Up,” but you have probably seen the State Farm commercial. It’s the one where a guy is having a horrible day (finding his car stripped in the parking lot), while a lady has the day of her life (finding her new car in the driveway). It’s a clever look at how the same words can have entirely different meanings.